Capital Solutions
The Right Capital-Not Just More Options
At Kingdom Impact Business Advisors, we don’t start with loan products.
We start with your business.
Just because money is available doesn’t mean it’s the right move. Different businesses need different tools at different stages. What helps one company grow can put unnecessary pressure on another.
Our role is to help you choose what actually fits, so capital supports your business instead of working against it.
One Size Doesn’t Fit Anyone
It’s easy to talk about access to capital.
It’s harder and more important to decide whether borrowing makes sense at all.
A line of credit might be perfect for one business and a poor fit for another. The same is true for an SBA loan, a term loan, or any other option.
We help you slow things down and think through:
- Why a certain option might fit
- What it really costs over time
- How it affects cash flow and flexibility
- Whether it supports where you’re trying to go
Only then do we talk about moving forward.
Financing Programs
The Types of Financing We Work With
These are the tools we use carefully and intentionally
SBA Loans
SBA loans can offer longer terms and lower monthly payments, but they also come with more structure and a longer approval process. They tend to work best for stable businesses with steady cash flow and clear long-term plans.
Used well, they can support growth.
Used at the wrong time, they can feel restrictive.
Is this right for you?
An SBA loan may make sense if:
- Your business has consistent cash flow
- You’re planning long-term growth or acquisition
- You’re comfortable with documentation and a structured process
- You want predictable, extended repayment terms
It may not be the best fit if speed or flexibility is your top priority.
Business Acquisition Loans
Buying another business is about more than getting approved. The numbers have to hold up, and the deal needs to strengthen-not strain-your existing operation.
We help you look at the full picture before moving forward.
Is this right for you?
An acquisition loan may make sense if:
- The target business has reliable cash flow
- The combined businesses can support the debt
- You’ve thought through integration and risk
- The purchase supports your long-term goals
If the deal only works “on paper,” it’s worth slowing down.
Term Loans
Term loans work best when there’s a clear purpose, such as expansion, refinancing, or stabilizing cash flow, and when payments fit comfortably into the business.
Approval matters less than sustainability
Is this right for you?
A term loan may make sense if:
- You have a defined use for the funds
- Cash flow can support fixed monthly payments
- The loan replaces higher-cost or less stable debt
- You want a clear payoff timeline
If payments would feel tight, it’s usually a sign to reassess.
Equipment Financing
Equipment financing can be a good option when the equipment directly supports revenue or efficiency. The key is making sure the asset truly earns its place on the balance sheet.
Is this right for you?
Equipment financing may make sense if:
- The equipment directly supports revenue or productivity
- The useful life matches the loan term
- Cash flow remains comfortable after the payment
- Ownership makes more sense than renting or outsourcing
If the equipment won’t clearly pay for itself, it may be worth exploring alternatives.
Commercial & Investment Real Estate Loans
Owning property can be a strong long-term move, but it can also tie up cash and reduce flexibility.
We help you weigh ownership against the needs of the business as a whole.
Is this right for you?
Real estate financing may make sense if:
- Ownership improves long-term stability or cost control
- You have sufficient cash reserves after the purchase
- The property aligns with your growth plans
- The business isn’t stretched thin by the commitment
If liquidity is critical, leasing may be the better option.
Revolving Lines of Credit
Lines of credit can provide flexibility, but they’re often misunderstood. Used wisely, they help smooth timing gaps. Used incorrectly, they can hide deeper cash flow issues.
Is this right for you?
A line of credit may make sense if:
- Cash flow timing varies month to month
- You need short-term working capital flexibility
- You plan to pay balances down regularly
- The line supports operations, not losses
If it’s covering ongoing shortfalls, it’s a sign to step back and reassess.
How We Decide What’s Right
We don’t match businesses to loans.
We match decisions to reality.
That means looking at:
Cash flow and existing obligations
Risk and downside scenarios
Timing and future plans
How much flexibility you need
Sometimes the right move is borrowing.
Sometimes it’s preparing first.
And sometimes it’s choosing not to borrow at all.
Start With Clarity
Access to capital matters, but clarity matters more.
If you’re considering financing and want an honest conversation, not a sales pitch, we’re here to help.